Retirement planning is not a product. It is a set of decisions — when to draw income, from which accounts, in what order, and for how long. We help you make those decisions well.
You’re approaching retirement, recently retired, or reassessing a retirement plan that no longer fits. You typically also have investable assets of R15 million or more across retirement funds, discretionary savings, and offshore holdings.
You need a plan for drawing a sustainable income — not just investment returns
You are concerned about estate planning, tax, and what you leave behind
You want one adviser who understands the full picture, not just your portfolio
Most retirees carry the same four anxieties into retirement. We address each one directly with projections, structure, and a plan that gives you permission to live freely.
Estate And Legacy Planning — What you leave behind, and how
Living vs Guaranteed Annuities — Structuring your income correctly
Tax-Efficient Drawdowns — Which accounts to draw from, and in what order
Sustainable Income Planning — How much can you draw without running out
Income-focused planning, not performance chasing
Decisions modelled before implementation
Advice aligned to longevity, not markets
A simple retirement can be straightforward to plan. Most aren’t simple. Here are some of the factors that typically increase the scope and the value of proper planning:
In retirement, complexity is driven by decisions, not markets.
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